I would also ask to factor in any matching your company provides as well. 

Benchmark, Touchstone, First National Bank, First Citizens, First Carolina, Wake Forest Federal, and Providence ... all depending on the location and the deal.

Contact the utility provider and get a historical average based on the last year of use.

The architect can provide specifications for various interior and exterior finishes and materials.

We do not provide bikes, boats, anything. 

It's because of communities like this and the education they provide that I was able to get to this point.

Looks like it disappeared into the nether on my insurance provider website...great."

My experience of the HOA in my scenario has been that they are very slow in communication and are reluctant to provide pertinent documentation.

I am sure that this house will appreciate really nicely over time.Hopefully the spring market will heat up in your area and that will also help provide some excellent sales comps to boost your value. 

The premiums and deductibles are outrageous and if you’re flipping homes, you must buy a commercial policy (see the CEA website).I recently spoke with a representative at GeoVera, a company that provides earthquake insurance in a few states (including California), and she said that the policy would cover a vacant house as long as business is not actually conducted inside the residence.